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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,577 | $160,070-25.3% | $147,117-18.7% | $145,897-18.0% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 21.28% | 98.69%-77.4pp | 420.54%-399.3pp | 552.29%-531.0pp |
| Employer contribution / active EE | $3,017 | $5,285-42.9% | $4,932-38.8% | $4,663-35.3% |
| Participant deferral / active EE | $7,818 | $8,419-7.1% | $8,065-3.1% | $6,689+16.9% |
| Admin fee / account holder | $12,959 | $15,035-13.8% | $12,993-0.3% | $13,390-3.2% |